Richard is very knowledgeable, courteous, approachable, and thorough in his analysis. He went out of his way to help us get a better interest rate. My husband had a mark in his credit report from a bill ($105) charged by his previous landlord that we were not even aware of. But this lowered his credit score and increased our interest rate. We cleared the credit record and requested Richard to recalculate our interest rate, which he graciously complied with. This lowered our monthly payments substantially. We have very high regards for Richard and will recommend him to anyone who is looking for a loan. Thank you very much Richard and The Fairway team, for all your help.